Home > Mid America Bank > Performance and Condition Ratios
Mid America Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 2,092 |
| Cost of funding earning assets | 0.6612% | 987 |
| Net interest margin | 3.6593% | 2,860 |
| Noninterest income to average assets | 0.5574% | 2,864 |
| Noninterest expense to average assets | 4.2462% | 469 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3490% | 5,891 |
| Return on assets (ROA) | -0.3490% | 5,900 |
| Pretax return on assets | -0.3490% | 5,890 |
| Return on Equity (ROE) | -3.0396% | 5,899 |
| Retained earnings to average equity (ytd only) | -3.0396% | 5,635 |
| Net charge-offs to loans | 0.0309% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 3,658 |
| Efficiency ratio | 106.8408% | 167 |
| Assets per employee ($millions) | 3.8732% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6168% | 314 |
| Loan loss allowance to noncurrent loans | 57.6570% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 3.2359% | 360 |
| Noncurrent loans to loans | 4.5385% | 223 |
| Net loans and leases to total assets | 68.9059% | 2,649 |
| Net loans and leases to deposits | 78.3389% | 3,116 |
| Net loans and leases to core deposits | 83.9993% | 3,082 |
| Total domestic deposits to total assets | 87.9587% | 1,456 |
| Equity capital to assets | 11.6319% | 2,414 |
| Core capital (leverage) ratio | 11.1593% | 2,276 |
| Tier 1 risk-based capital ratio | 15.5172% | 2,857 |
| Total risk-based capital ratio | 16.7816% | 2,787 |
| Memoranda: | ||
| Average total assets | $82,521,670 | 4,755 |
| Average earning assets | $75,315,000 | 4,775 |
| Average equity | $9,475,000 | 4,745 |
| Average total loans | $58,278,330 | 4,401 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 2,103 |
| Cost of funding earning assets | 0.6855% | 868 |
| Net interest margin | 3.6227% | 2,995 |
| Noninterest income to average assets | 0.5246% | 2,963 |
| Noninterest expense to average assets | 4.0090% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1781% | 5,877 |
| Return on assets (ROA) | -0.1781% | 5,892 |
| Pretax return on assets | -0.1781% | 5,888 |
| Return on Equity (ROE) | -1.5609% | 5,891 |
| Retained earnings to average equity (ytd only) | -1.5609% | 5,341 |
| Net charge-offs to loans | 0.0614% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -4.1111% | 3,036 |
| Efficiency ratio | 102.5126% | 234 |
| Assets per employee ($millions) | 3.7662% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6166% | 343 |
| Loan loss allowance to noncurrent loans | 57.4590% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 3.1875% | 381 |
| Noncurrent loans to loans | 4.5539% | 234 |
| Net loans and leases to total assets | 67.6463% | 2,705 |
| Net loans and leases to deposits | 76.7668% | 3,131 |
| Net loans and leases to core deposits | 82.1821% | 3,115 |
| Total domestic deposits to total assets | 88.1191% | 1,580 |
| Equity capital to assets | 11.4874% | 2,452 |
| Core capital (leverage) ratio | 10.7053% | 2,720 |
| Tier 1 risk-based capital ratio | 15.4826% | 2,928 |
| Total risk-based capital ratio | 16.7478% | 2,850 |
| Memoranda: | ||
| Average total assets | $83,114,000 | 4,781 |
| Average earning assets | $75,855,500 | 4,799 |
| Average equity | $9,482,000 | 4,765 |
| Average total loans | $58,641,500 | 4,423 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,516 |
| Cost of funding earning assets | 0.6921% | 854 |
| Net interest margin | 3.5219% | 3,447 |
| Noninterest income to average assets | 0.5444% | 3,047 |
| Noninterest expense to average assets | 4.2949% | 491 |
| Loan and lease loss provision to assets | -0.2265% | 6,013 |
| Net operating income to assets | -0.1231% | 5,935 |
| Return on assets (ROA) | -0.0389% | 5,913 |
| Pretax return on assets | -0.1796% | 5,957 |
| Return on Equity (ROE) | -0.3557% | 5,910 |
| Retained earnings to average equity (ytd only) | -0.3557% | 5,567 |
| Net charge-offs to loans | 0.7275% | 328 |
| Credit loss provision to net charge-offs | -45.8333% | 5,048 |
| Earnings coverage of net charge-offs (x) | -1.0880% | 4,333 |
| Efficiency ratio | 112.2070% | 123 |
| Assets per employee ($millions) | 3.4738% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5365% | 375 |
| Loan loss allowance to noncurrent loans | 56.5932% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 3.2349% | 392 |
| Noncurrent loans to loans | 4.4820% | 242 |
| Net loans and leases to total assets | 69.8232% | 2,396 |
| Net loans and leases to deposits | 81.0518% | 2,704 |
| Net loans and leases to core deposits | 86.8449% | 2,710 |
| Total domestic deposits to total assets | 86.1464% | 2,576 |
| Equity capital to assets | 11.3299% | 2,515 |
| Core capital (leverage) ratio | 10.5969% | 2,827 |
| Tier 1 risk-based capital ratio | 15.2672% | 3,049 |
| Total risk-based capital ratio | 16.5309% | 2,981 |
| Memoranda: | ||
| Average total assets | $87,429,400 | 4,721 |
| Average earning assets | $79,757,000 | 4,721 |
| Average equity | $9,558,400 | 4,735 |
| Average total loans | $59,382,200 | 4,390 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 2,604 |
| Cost of funding earning assets | 0.6928% | 871 |
| Net interest margin | 3.4988% | 3,539 |
| Noninterest income to average assets | 0.4899% | 3,440 |
| Noninterest expense to average assets | 4.2889% | 495 |
| Loan and lease loss provision to assets | -0.3015% | 6,159 |
| Net operating income to assets | -0.3075% | 6,087 |
| Return on assets (ROA) | -0.2110% | 6,065 |
| Pretax return on assets | -0.2110% | 6,056 |
| Return on Equity (ROE) | -1.9471% | 6,064 |
| Retained earnings to average equity (ytd only) | -1.9471% | 5,847 |
| Net charge-offs to loans | 0.9714% | 197 |
| Credit loss provision to net charge-offs | -46.2963% | 4,958 |
| Earnings coverage of net charge-offs (x) | -0.9352% | 4,052 |
| Efficiency ratio | 114.4203% | 119 |
| Assets per employee ($millions) | 3.6735% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5964% | 384 |
| Loan loss allowance to noncurrent loans | 57.7922% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.9922% | 507 |
| Noncurrent loans to loans | 4.4927% | 244 |
| Net loans and leases to total assets | 64.3796% | 3,243 |
| Net loans and leases to deposits | 72.6255% | 3,690 |
| Net loans and leases to core deposits | 78.1288% | 3,602 |
| Total domestic deposits to total assets | 88.6460% | 1,209 |
| Equity capital to assets | 10.7789% | 3,264 |
| Core capital (leverage) ratio | 10.4156% | 3,150 |
| Tier 1 risk-based capital ratio | 16.4436% | 2,608 |
| Total risk-based capital ratio | 17.7105% | 2,558 |
| Memoranda: | ||
| Average total assets | $88,443,750 | 4,763 |
| Average earning assets | $80,635,500 | 4,759 |
| Average equity | $9,586,500 | 4,791 |
| Average total loans | $59,295,750 | 4,443 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,087 |
| Cost of funding earning assets | 0.6947% | 865 |
| Net interest margin | 3.6342% | 2,964 |
| Noninterest income to average assets | 0.4744% | 3,527 |
| Noninterest expense to average assets | 4.2513% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4563% | 6,177 |
| Return on assets (ROA) | -0.3117% | 6,154 |
| Pretax return on assets | -0.3117% | 6,143 |
| Return on Equity (ROE) | -2.8707% | 6,155 |
| Retained earnings to average equity (ytd only) | -2.8707% | 5,913 |
| Net charge-offs to loans | -0.2280% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0000% | 172 |
| Assets per employee ($millions) | 3.4439% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8656% | 117 |
| Loan loss allowance to noncurrent loans | 129.6426% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 2.0059% | 1,098 |
| Noncurrent loans to loans | 2.9818% | 666 |
| Net loans and leases to total assets | 63.9213% | 3,273 |
| Net loans and leases to deposits | 72.3421% | 3,683 |
| Net loans and leases to core deposits | 78.3227% | 3,545 |
| Total domestic deposits to total assets | 88.3598% | 1,461 |
| Equity capital to assets | 10.9759% | 2,912 |
| Core capital (leverage) ratio | 10.3888% | 3,095 |
| Tier 1 risk-based capital ratio | 16.3412% | 2,694 |
| Total risk-based capital ratio | 17.6242% | 2,628 |
| Memoranda: | ||
| Average total assets | $88,537,330 | 4,805 |
| Average earning assets | $80,897,670 | 4,803 |
| Average equity | $9,614,330 | 4,819 |
| Average total loans | $59,637,000 | 4,476 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 1,641 |
| Cost of funding earning assets | 0.6957% | 869 |
| Net interest margin | 3.7413% | 2,462 |
| Noninterest income to average assets | 0.7487% | 1,924 |
| Noninterest expense to average assets | 4.2292% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0535% | 6,058 |
| Return on assets (ROA) | -0.0535% | 6,095 |
| Pretax return on assets | -0.0535% | 6,088 |
| Return on Equity (ROE) | -0.4950% | 6,095 |
| Retained earnings to average equity (ytd only) | -0.4950% | 5,468 |
| Net charge-offs to loans | -0.4274% | 6,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5731% | 375 |
| Assets per employee ($millions) | 3.5051% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6789% | 156 |
| Loan loss allowance to noncurrent loans | 516.3551% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 3,978 |
| Noncurrent loans to loans | 0.7125% | 3,488 |
| Net loans and leases to total assets | 66.0333% | 2,759 |
| Net loans and leases to deposits | 74.9103% | 3,171 |
| Net loans and leases to core deposits | 81.0713% | 3,050 |
| Total domestic deposits to total assets | 88.1498% | 1,733 |
| Equity capital to assets | 11.1301% | 2,830 |
| Core capital (leverage) ratio | 10.2715% | 3,251 |
| Tier 1 risk-based capital ratio | 16.2074% | 2,817 |
| Total risk-based capital ratio | 17.4878% | 2,753 |
| Memoranda: | ||
| Average total assets | $89,757,000 | 4,813 |
| Average earning assets | $82,217,000 | 4,816 |
| Average equity | $9,696,500 | 4,848 |
| Average total loans | $60,831,500 | 4,470 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 1,311 |
| Cost of funding earning assets | 0.7287% | 956 |
| Net interest margin | 3.9693% | 1,980 |
| Noninterest income to average assets | 0.2620% | 5,259 |
| Noninterest expense to average assets | 4.2559% | 576 |
| Loan and lease loss provision to assets | 0.0021% | 4,564 |
| Net operating income to assets | -0.2983% | 6,237 |
| Return on assets (ROA) | -0.0916% | 6,156 |
| Pretax return on assets | -0.1193% | 6,148 |
| Return on Equity (ROE) | -0.8745% | 6,162 |
| Retained earnings to average equity (ytd only) | -0.8745% | 5,904 |
| Net charge-offs to loans | -0.1470% | 6,207 |
| Credit loss provision to net charge-offs | -2.2727% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0627% | 244 |
| Assets per employee ($millions) | 3.2817% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4827% | 187 |
| Loan loss allowance to noncurrent loans | 473.5099% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 4,085 |
| Noncurrent loans to loans | 0.7355% | 3,482 |
| Net loans and leases to total assets | 64.6936% | 3,107 |
| Net loans and leases to deposits | 72.7859% | 3,585 |
| Net loans and leases to core deposits | 79.5836% | 3,340 |
| Total domestic deposits to total assets | 88.8820% | 1,297 |
| Equity capital to assets | 10.4911% | 3,494 |
| Core capital (leverage) ratio | 10.0285% | 3,537 |
| Tier 1 risk-based capital ratio | 15.7575% | 3,093 |
| Total risk-based capital ratio | 17.0289% | 3,018 |
| Memoranda: | ||
| Average total assets | $93,892,200 | 4,756 |
| Average earning assets | $85,354,600 | 4,752 |
| Average equity | $9,834,600 | 4,786 |
| Average total loans | $59,880,200 | 4,495 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 1,304 |
| Cost of funding earning assets | 0.7316% | 982 |
| Net interest margin | 3.9683% | 1,973 |
| Noninterest income to average assets | 0.2740% | 5,248 |
| Noninterest expense to average assets | 4.1344% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2670% | 6,299 |
| Return on assets (ROA) | 0.0565% | 6,105 |
| Pretax return on assets | 0.0565% | 6,109 |
| Return on Equity (ROE) | 0.5396% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.5396% | 5,648 |
| Net charge-offs to loans | -0.1659% | 6,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0402% | 280 |
| Assets per employee ($millions) | 3.1194% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3908% | 251 |
| Loan loss allowance to noncurrent loans | 1,330.6250% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 5,443 |
| Noncurrent loans to loans | 0.2548% | 5,141 |
| Net loans and leases to total assets | 64.8184% | 3,057 |
| Net loans and leases to deposits | 72.9399% | 3,575 |
| Net loans and leases to core deposits | 79.6050% | 3,361 |
| Total domestic deposits to total assets | 88.8655% | 1,323 |
| Equity capital to assets | 10.4656% | 3,608 |
| Core capital (leverage) ratio | 9.8641% | 3,860 |
| Tier 1 risk-based capital ratio | 15.4852% | 3,334 |
| Total risk-based capital ratio | 16.7618% | 3,254 |
| Memoranda: | ||
| Average total assets | $94,393,500 | 4,785 |
| Average earning assets | $85,474,750 | 4,805 |
| Average equity | $9,883,250 | 4,811 |
| Average total loans | $59,452,750 | 4,545 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,316 |
| Cost of funding earning assets | 0.7342% | 997 |
| Net interest margin | 3.9495% | 1,971 |
| Noninterest income to average assets | 0.1648% | 5,964 |
| Noninterest expense to average assets | 4.1431% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4099% | 6,417 |
| Return on assets (ROA) | -0.1141% | 6,276 |
| Pretax return on assets | -0.1141% | 6,263 |
| Return on Equity (ROE) | -1.0895% | 6,278 |
| Retained earnings to average equity (ytd only) | -1.0895% | 5,865 |
| Net charge-offs to loans | -0.3908% | 6,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0549% | 245 |
| Assets per employee ($millions) | 3.2867% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5340% | 241 |
| Loan loss allowance to noncurrent loans | 1,446.0000% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 5,424 |
| Noncurrent loans to loans | 0.2444% | 5,268 |
| Net loans and leases to total assets | 62.1168% | 3,384 |
| Net loans and leases to deposits | 69.8868% | 3,837 |
| Net loans and leases to core deposits | 74.6072% | 3,769 |
| Total domestic deposits to total assets | 88.8820% | 1,426 |
| Equity capital to assets | 10.3741% | 3,592 |
| Core capital (leverage) ratio | 9.6881% | 4,062 |
| Tier 1 risk-based capital ratio | 15.6245% | 3,281 |
| Total risk-based capital ratio | 16.9027% | 3,212 |
| Memoranda: | ||
| Average total assets | $94,663,670 | 4,806 |
| Average earning assets | $85,529,670 | 4,836 |
| Average equity | $9,913,000 | 4,824 |
| Average total loans | $58,341,000 | 4,598 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,002 |
| Cost of funding earning assets | 0.7333% | 1,053 |
| Net interest margin | 4.0896% | 1,492 |
| Noninterest income to average assets | 0.1230% | 6,232 |
| Noninterest expense to average assets | 3.9941% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1823% | 6,347 |
| Return on assets (ROA) | 0.4028% | 5,169 |
| Pretax return on assets | 0.4028% | 5,447 |
| Return on Equity (ROE) | 3.8285% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,831 |
| Net charge-offs to loans | -0.9221% | 6,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8921% | 402 |
| Assets per employee ($millions) | 3.3803% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9134% | 201 |
| Loan loss allowance to noncurrent loans | 2,954.0541% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 5,558 |
| Noncurrent loans to loans | 0.1325% | 5,711 |
| Net loans and leases to total assets | 56.7080% | 4,048 |
| Net loans and leases to deposits | 63.8782% | 4,326 |
| Net loans and leases to core deposits | 68.6057% | 4,246 |
| Total domestic deposits to total assets | 88.7753% | 1,788 |
| Equity capital to assets | 10.5158% | 3,233 |
| Core capital (leverage) ratio | 9.7839% | 3,887 |
| Tier 1 risk-based capital ratio | 17.0840% | 2,651 |
| Total risk-based capital ratio | 18.3441% | 2,594 |
| Memoranda: | ||
| Average total assets | $94,338,500 | 4,865 |
| Average earning assets | $85,094,000 | 4,888 |
| Average equity | $9,925,500 | 4,832 |
| Average total loans | $56,824,000 | 4,694 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 728 |
| Cost of funding earning assets | 0.7829% | 1,302 |
| Net interest margin | 4.3516% | 998 |
| Noninterest income to average assets | 0.5599% | 3,333 |
| Noninterest expense to average assets | 4.7451% | 428 |
| Loan and lease loss provision to assets | 0.2167% | 1,685 |
| Net operating income to assets | -0.6040% | 6,525 |
| Return on assets (ROA) | -0.6040% | 6,528 |
| Pretax return on assets | -0.5062% | 6,491 |
| Return on Equity (ROE) | -6.0941% | 6,510 |
| Retained earnings to average equity (ytd only) | -6.0941% | 6,419 |
| Net charge-offs to loans | 0.9036% | 676 |
| Credit loss provision to net charge-offs | 36.6883% | 4,108 |
| Earnings coverage of net charge-offs (x) | -0.4903% | 5,194 |
| Efficiency ratio | 105.0140% | 355 |
| Assets per employee ($millions) | 3.1343% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5560% | 274 |
| Loan loss allowance to noncurrent loans | 404.5276% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 4,205 |
| Noncurrent loans to loans | 0.8791% | 3,785 |
| Net loans and leases to total assets | 59.2732% | 3,830 |
| Net loans and leases to deposits | 66.8346% | 4,200 |
| Net loans and leases to core deposits | 71.0404% | 4,183 |
| Total domestic deposits to total assets | 88.6865% | 1,808 |
| Equity capital to assets | 10.5265% | 3,118 |
| Core capital (leverage) ratio | 9.5490% | 4,191 |
| Tier 1 risk-based capital ratio | 16.6109% | 2,791 |
| Total risk-based capital ratio | 17.8764% | 2,746 |
| Memoranda: | ||
| Average total assets | $104,297,600 | 4,632 |
| Average earning assets | $93,368,200 | 4,694 |
| Average equity | $10,337,800 | 4,777 |
| Average total loans | $68,171,400 | 4,336 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 763 |
| Cost of funding earning assets | 0.7916% | 1,377 |
| Net interest margin | 4.3178% | 1,056 |
| Noninterest income to average assets | 0.6987% | 2,616 |
| Noninterest expense to average assets | 4.6562% | 457 |
| Loan and lease loss provision to assets | 0.2807% | 1,241 |
| Net operating income to assets | -0.4142% | 6,571 |
| Return on assets (ROA) | -0.4142% | 6,578 |
| Pretax return on assets | -0.3731% | 6,549 |
| Return on Equity (ROE) | -4.2369% | 6,580 |
| Retained earnings to average equity (ytd only) | -4.2369% | 6,457 |
| Net charge-offs to loans | 1.1606% | 474 |
| Credit loss provision to net charge-offs | 36.5260% | 3,776 |
| Earnings coverage of net charge-offs (x) | -0.1201% | 4,890 |
| Efficiency ratio | 100.6014% | 446 |
| Assets per employee ($millions) | 3.2357% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5282% | 330 |
| Loan loss allowance to noncurrent loans | 64.6318% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.3357% | 1,049 |
| Noncurrent loans to loans | 5.4590% | 505 |
| Net loans and leases to total assets | 55.9896% | 4,326 |
| Net loans and leases to deposits | 62.7193% | 4,666 |
| Net loans and leases to core deposits | 67.0303% | 4,619 |
| Total domestic deposits to total assets | 89.2700% | 1,425 |
| Equity capital to assets | 10.1458% | 3,708 |
| Core capital (leverage) ratio | 8.9833% | 5,148 |
| Tier 1 risk-based capital ratio | 16.5919% | 2,900 |
| Total risk-based capital ratio | 17.8710% | 2,846 |
| Memoranda: | ||
| Average total assets | $106,864,750 | 4,620 |
| Average earning assets | $95,664,250 | 4,673 |
| Average equity | $10,447,750 | 4,804 |
| Average total loans | $70,767,000 | 4,272 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 884 |
| Cost of funding earning assets | 0.8004% | 1,413 |
| Net interest margin | 4.2214% | 1,220 |
| Noninterest income to average assets | 0.9592% | 1,630 |
| Noninterest expense to average assets | 4.8106% | 412 |
| Loan and lease loss provision to assets | 0.4127% | 739 |
| Net operating income to assets | -0.4915% | 6,629 |
| Return on assets (ROA) | -0.4915% | 6,645 |
| Pretax return on assets | -0.4915% | 6,624 |
| Return on Equity (ROE) | -5.0864% | 6,643 |
| Retained earnings to average equity (ytd only) | -5.0864% | 6,464 |
| Net charge-offs to loans | 1.3102% | 436 |
| Credit loss provision to net charge-offs | 45.8248% | 3,296 |
| Earnings coverage of net charge-offs (x) | -0.0876% | 4,578 |
| Efficiency ratio | 100.3488% | 474 |
| Assets per employee ($millions) | 3.7769% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2360% | 469 |
| Loan loss allowance to noncurrent loans | 29.8166% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 7.1175% | 332 |
| Noncurrent loans to loans | 10.8529% | 126 |
| Net loans and leases to total assets | 61.6128% | 3,368 |
| Net loans and leases to deposits | 68.7778% | 3,895 |
| Net loans and leases to core deposits | 73.2952% | 3,895 |
| Total domestic deposits to total assets | 89.5824% | 1,275 |
| Equity capital to assets | 9.7358% | 4,252 |
| Core capital (leverage) ratio | 8.8754% | 5,180 |
| Tier 1 risk-based capital ratio | 14.8551% | 3,870 |
| Total risk-based capital ratio | 16.1195% | 3,828 |
| Memoranda: | ||
| Average total assets | $109,050,330 | 4,583 |
| Average earning assets | $97,455,670 | 4,661 |
| Average equity | $10,538,000 | 4,822 |
| Average total loans | $74,950,670 | 4,137 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 875 |
| Cost of funding earning assets | 0.8144% | 1,450 |
| Net interest margin | 4.1940% | 1,202 |
| Noninterest income to average assets | 1.5321% | 654 |
| Noninterest expense to average assets | 4.6722% | 464 |
| Loan and lease loss provision to assets | 0.8130% | 265 |
| Net operating income to assets | -0.2313% | 6,531 |
| Return on assets (ROA) | -0.2313% | 6,570 |
| Pretax return on assets | -0.2313% | 6,559 |
| Return on Equity (ROE) | -2.4017% | 6,580 |
| Retained earnings to average equity (ytd only) | -2.4017% | 6,124 |
| Net charge-offs to loans | -1.5491% | 6,945 |
| Credit loss provision to net charge-offs | -73.7705% | 5,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7579% | 1,348 |
| Assets per employee ($millions) | 2.9858% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9214% | 306 |
| Loan loss allowance to noncurrent loans | 41.7193% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 6.8505% | 418 |
| Noncurrent loans to loans | 9.3995% | 243 |
| Net loans and leases to total assets | 65.9802% | 2,373 |
| Net loans and leases to deposits | 73.5715% | 2,979 |
| Net loans and leases to core deposits | 77.1684% | 3,181 |
| Total domestic deposits to total assets | 89.6817% | 1,244 |
| Equity capital to assets | 9.6131% | 4,690 |
| Core capital (leverage) ratio | 8.7427% | 5,267 |
| Tier 1 risk-based capital ratio | 14.0703% | 4,460 |
| Total risk-based capital ratio | 15.3029% | 4,428 |
| Memoranda: | ||
| Average total assets | $110,698,500 | 4,601 |
| Average earning assets | $98,235,000 | 4,679 |
| Average equity | $10,659,000 | 4,847 |
| Average total loans | $78,757,500 | 4,042 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4757% | 655 |
| Cost of funding earning assets | 0.9436% | 1,679 |
| Net interest margin | 4.5322% | 888 |
| Noninterest income to average assets | 2.2483% | 369 |
| Noninterest expense to average assets | 7.9774% | 112 |
| Loan and lease loss provision to assets | 1.9911% | 106 |
| Net operating income to assets | -3.9684% | 7,041 |
| Return on assets (ROA) | -3.7458% | 7,039 |
| Pretax return on assets | -3.4626% | 7,031 |
| Return on Equity (ROE) | -30.6603% | 6,958 |
| Retained earnings to average equity (ytd only) | -30.6603% | 6,941 |
| Net charge-offs to loans | 0.9428% | 1,175 |
| Credit loss provision to net charge-offs | 295.8816% | 829 |
| Earnings coverage of net charge-offs (x) | -2.5174% | 5,853 |
| Efficiency ratio | 83.7767% | 1,655 |
| Assets per employee ($millions) | 3.1692% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9945% | 667 |
| Loan loss allowance to noncurrent loans | 49.6044% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 4.7465% | 843 |
| Noncurrent loans to loans | 6.0368% | 591 |
| Net loans and leases to total assets | 71.4045% | 1,589 |
| Net loans and leases to deposits | 79.7078% | 2,327 |
| Net loans and leases to core deposits | 85.8050% | 2,335 |
| Total domestic deposits to total assets | 89.5829% | 1,201 |
| Equity capital to assets | 9.6445% | 4,668 |
| Core capital (leverage) ratio | 8.6465% | 5,401 |
| Tier 1 risk-based capital ratio | 13.4839% | 4,759 |
| Total risk-based capital ratio | 14.7287% | 4,723 |
| Memoranda: | ||
| Average total assets | $115,463,000 | 4,453 |
| Average earning assets | $102,798,800 | 4,522 |
| Average equity | $14,106,200 | 4,136 |
| Average total loans | $82,416,200 | 3,961 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 691 |
| Cost of funding earning assets | 0.9478% | 1,862 |
| Net interest margin | 4.5427% | 915 |
| Noninterest income to average assets | 2.1990% | 371 |
| Noninterest expense to average assets | 5.3276% | 299 |
| Loan and lease loss provision to assets | 2.0297% | 114 |
| Net operating income to assets | -1.0932% | 6,886 |
| Return on assets (ROA) | -0.7993% | 6,832 |
| Pretax return on assets | -0.7867% | 6,804 |
| Return on Equity (ROE) | -6.2305% | 6,762 |
| Retained earnings to average equity (ytd only) | -6.2305% | 6,681 |
| Net charge-offs to loans | 1.0201% | 1,043 |
| Credit loss provision to net charge-offs | 280.8544% | 965 |
| Earnings coverage of net charge-offs (x) | 1.3133% | 4,639 |
| Efficiency ratio | 83.9315% | 1,595 |
| Assets per employee ($millions) | 2.8515% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3753% | 1,397 |
| Loan loss allowance to noncurrent loans | 132.9472% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.7684% | 2,957 |
| Noncurrent loans to loans | 1.7867% | 3,096 |
| Net loans and leases to total assets | 74.4455% | 1,180 |
| Net loans and leases to deposits | 85.4726% | 1,664 |
| Net loans and leases to core deposits | 94.5525% | 1,526 |
| Total domestic deposits to total assets | 87.0987% | 2,605 |
| Equity capital to assets | 12.4840% | 1,906 |
| Core capital (leverage) ratio | 9.1019% | 4,911 |
| Tier 1 risk-based capital ratio | 13.0574% | 5,201 |
| Total risk-based capital ratio | 14.2686% | 5,194 |
| Memoranda: | ||
| Average total assets | $116,598,000 | 4,473 |
| Average earning assets | $104,664,000 | 4,523 |
| Average equity | $14,958,250 | 4,012 |
| Average total loans | $82,608,000 | 4,004 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 811 |
| Cost of funding earning assets | 0.9715% | 1,924 |
| Net interest margin | 4.4702% | 1,046 |
| Noninterest income to average assets | 2.0248% | 396 |
| Noninterest expense to average assets | 5.2484% | 319 |
| Loan and lease loss provision to assets | 0.2554% | 2,536 |
| Net operating income to assets | 0.5330% | 4,662 |
| Return on assets (ROA) | 0.9707% | 2,827 |
| Pretax return on assets | 0.9707% | 3,816 |
| Return on Equity (ROE) | 7.5010% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.5010% | 1,871 |
| Net charge-offs to loans | 0.4042% | 2,410 |
| Credit loss provision to net charge-offs | 91.4634% | 2,997 |
| Earnings coverage of net charge-offs (x) | 2.8232% | 3,616 |
| Efficiency ratio | 85.9803% | 1,439 |
| Assets per employee ($millions) | 2.6295% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 5,684 |
| Loan loss allowance to noncurrent loans | 60.5193% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7953% | 3,047 |
| Noncurrent loans to loans | 1.8540% | 3,141 |
| Net loans and leases to total assets | 70.8473% | 1,768 |
| Net loans and leases to deposits | 82.2538% | 2,085 |
| Net loans and leases to core deposits | 89.7015% | 2,013 |
| Total domestic deposits to total assets | 86.1325% | 3,293 |
| Equity capital to assets | 13.6818% | 1,224 |
| Core capital (leverage) ratio | 10.0945% | 3,286 |
| Tier 1 risk-based capital ratio | 13.3376% | 4,939 |
| Total risk-based capital ratio | 14.4023% | 5,050 |
| Memoranda: | ||
| Average total assets | $117,444,670 | 4,470 |
| Average earning assets | $105,409,000 | 4,521 |
| Average equity | $15,198,000 | 3,947 |
| Average total loans | $81,151,670 | 4,071 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 1,044 |
| Cost of funding earning assets | 1.0139% | 1,898 |
| Net interest margin | 4.3136% | 1,425 |
| Noninterest income to average assets | 2.3873% | 319 |
| Noninterest expense to average assets | 5.5570% | 258 |
| Loan and lease loss provision to assets | 0.2508% | 2,455 |
| Net operating income to assets | 0.4915% | 4,867 |
| Return on assets (ROA) | 0.4915% | 5,069 |
| Pretax return on assets | 0.4915% | 5,460 |
| Return on Equity (ROE) | 3.9039% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.9039% | 4,248 |
| Net charge-offs to loans | 0.2216% | 2,812 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,475 |
| Efficiency ratio | 86.9427% | 1,382 |
| Assets per employee ($millions) | 2.6343% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,569 |
| Loan loss allowance to noncurrent loans | 56.6587% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.7470% | 3,243 |
| Noncurrent loans to loans | 2.0907% | 3,042 |
| Net loans and leases to total assets | 65.6046% | 2,544 |
| Net loans and leases to deposits | 75.3019% | 2,925 |
| Net loans and leases to core deposits | 92.9420% | 1,556 |
| Total domestic deposits to total assets | 87.1220% | 2,887 |
| Equity capital to assets | 12.5503% | 1,693 |
| Core capital (leverage) ratio | 9.1988% | 4,520 |
| Tier 1 risk-based capital ratio | 12.7359% | 5,412 |
| Total risk-based capital ratio | 13.8447% | 5,490 |
| Memoranda: | ||
| Average total assets | $119,632,000 | 4,456 |
| Average earning assets | $108,493,500 | 4,469 |
| Average equity | $15,062,000 | 3,981 |
| Average total loans | $81,219,500 | 4,089 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 1,091 |
| Cost of funding earning assets | 1.2942% | 1,508 |
| Net interest margin | 4.2379% | 1,931 |
| Noninterest income to average assets | 1.9863% | 383 |
| Noninterest expense to average assets | 5.1983% | 330 |
| Loan and lease loss provision to assets | 0.3259% | 3,079 |
| Net operating income to assets | 0.1664% | 5,688 |
| Return on assets (ROA) | 0.2933% | 5,434 |
| Pretax return on assets | 0.2933% | 5,572 |
| Return on Equity (ROE) | 2.3635% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.3635% | 4,545 |
| Net charge-offs to loans | 0.2970% | 3,923 |
| Credit loss provision to net charge-offs | 172.7273% | 1,534 |
| Earnings coverage of net charge-offs (x) | 2.6091% | 3,908 |
| Efficiency ratio | 89.8267% | 1,206 |
| Assets per employee ($millions) | 2.4602% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,712 |
| Loan loss allowance to noncurrent loans | 182.7723% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 5,001 |
| Noncurrent loans to loans | 0.6159% | 5,481 |
| Net loans and leases to total assets | 68.6488% | 2,279 |
| Net loans and leases to deposits | 79.7666% | 2,565 |
| Net loans and leases to core deposits | 87.0919% | 2,491 |
| Total domestic deposits to total assets | 86.0621% | 3,286 |
| Equity capital to assets | 12.6313% | 1,721 |
| Core capital (leverage) ratio | 9.3545% | 4,245 |
| Tier 1 risk-based capital ratio | 12.4374% | 5,501 |
| Total risk-based capital ratio | 13.5021% | 5,617 |
| Memoranda: | ||
| Average total assets | $116,595,800 | 4,491 |
| Average earning assets | $101,914,800 | 4,588 |
| Average equity | $14,470,000 | 4,016 |
| Average total loans | $74,068,200 | 4,346 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4726% | 1,326 |
| Cost of funding earning assets | 1.3522% | 1,446 |
| Net interest margin | 4.1204% | 2,390 |
| Noninterest income to average assets | 1.9537% | 396 |
| Noninterest expense to average assets | 5.2301% | 306 |
| Loan and lease loss provision to assets | 0.2180% | 3,829 |
| Net operating income to assets | 0.0677% | 6,028 |
| Return on assets (ROA) | 0.2375% | 5,739 |
| Pretax return on assets | 0.2375% | 5,826 |
| Return on Equity (ROE) | 1.9221% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.9221% | 5,178 |
| Net charge-offs to loans | 0.1498% | 4,569 |
| Credit loss provision to net charge-offs | 234.5679% | 1,210 |
| Earnings coverage of net charge-offs (x) | 3.0740% | 3,598 |
| Efficiency ratio | 93.2612% | 954 |
| Assets per employee ($millions) | 2.3982% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 5,927 |
| Loan loss allowance to noncurrent loans | 138.8535% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 5,102 |
| Noncurrent loans to loans | 0.7860% | 5,309 |
| Net loans and leases to total assets | 67.2487% | 2,624 |
| Net loans and leases to deposits | 77.3491% | 3,109 |
| Net loans and leases to core deposits | 85.5491% | 2,841 |
| Total domestic deposits to total assets | 86.9419% | 2,693 |
| Equity capital to assets | 12.5867% | 1,861 |
| Core capital (leverage) ratio | 9.2401% | 4,557 |
| Tier 1 risk-based capital ratio | 12.7640% | 5,279 |
| Total risk-based capital ratio | 13.8111% | 5,432 |
| Memoranda: | ||
| Average total assets | $116,222,750 | 4,525 |
| Average earning assets | $100,473,000 | 4,662 |
| Average equity | $14,358,500 | 4,061 |
| Average total loans | $72,088,000 | 4,454 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 1,274 |
| Cost of funding earning assets | 1.4345% | 1,261 |
| Net interest margin | 4.0776% | 2,501 |
| Noninterest income to average assets | 1.9811% | 364 |
| Noninterest expense to average assets | 5.2076% | 310 |
| Loan and lease loss provision to assets | 0.1036% | 5,012 |
| Net operating income to assets | 0.1313% | 5,927 |
| Return on assets (ROA) | 0.1779% | 5,906 |
| Pretax return on assets | 0.1779% | 5,969 |
| Return on Equity (ROE) | 1.4492% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.4492% | 5,266 |
| Net charge-offs to loans | 0.0201% | 5,559 |
| Credit loss provision to net charge-offs | 857.1429% | 376 |
| Earnings coverage of net charge-offs (x) | 19.4286% | 1,218 |
| Efficiency ratio | 94.1288% | 969 |
| Assets per employee ($millions) | 2.2762% | 7,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 5,743 |
| Loan loss allowance to noncurrent loans | 129.3185% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 5,263 |
| Noncurrent loans to loans | 0.8928% | 5,183 |
| Net loans and leases to total assets | 60.1802% | 4,237 |
| Net loans and leases to deposits | 69.1354% | 4,549 |
| Net loans and leases to core deposits | 77.6081% | 4,100 |
| Total domestic deposits to total assets | 87.0469% | 2,718 |
| Equity capital to assets | 12.4483% | 1,815 |
| Core capital (leverage) ratio | 9.2742% | 4,284 |
| Tier 1 risk-based capital ratio | 13.3665% | 4,633 |
| Total risk-based capital ratio | 14.4044% | 4,779 |
| Memoranda: | ||
| Average total assets | $115,792,670 | 4,567 |
| Average earning assets | $98,292,670 | 4,748 |
| Average equity | $14,214,330 | 4,082 |
| Average total loans | $69,484,670 | 4,595 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 1,203 |
| Cost of funding earning assets | 1.5330% | 1,043 |
| Net interest margin | 4.0052% | 2,663 |
| Noninterest income to average assets | 2.0857% | 340 |
| Noninterest expense to average assets | 5.2990% | 292 |
| Loan and lease loss provision to assets | 0.0692% | 5,127 |
| Net operating income to assets | 0.0069% | 6,334 |
| Return on assets (ROA) | 0.0069% | 6,368 |
| Pretax return on assets | 0.0069% | 6,341 |
| Return on Equity (ROE) | 0.0568% | 6,372 |
| Retained earnings to average equity (ytd only) | 0.0568% | 5,771 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1686% | 867 |
| Assets per employee ($millions) | 2.3279% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 5,466 |
| Loan loss allowance to noncurrent loans | 170.9607% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 5,754 |
| Noncurrent loans to loans | 0.7215% | 5,568 |
| Net loans and leases to total assets | 53.8665% | 5,327 |
| Net loans and leases to deposits | 62.5508% | 5,436 |
| Net loans and leases to core deposits | 69.3075% | 5,129 |
| Total domestic deposits to total assets | 86.1165% | 3,453 |
| Equity capital to assets | 12.1584% | 1,822 |
| Core capital (leverage) ratio | 9.1608% | 4,357 |
| Tier 1 risk-based capital ratio | 14.0941% | 4,009 |
| Total risk-based capital ratio | 15.1561% | 4,113 |
| Memoranda: | ||
| Average total assets | $115,645,000 | 4,599 |
| Average earning assets | $94,977,500 | 4,885 |
| Average equity | $14,096,000 | 4,095 |
| Average total loans | $68,888,000 | 4,657 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 1,115 |
| Cost of funding earning assets | 1.5666% | 2,263 |
| Net interest margin | 4.2996% | 1,822 |
| Noninterest income to average assets | 3.4033% | 203 |
| Noninterest expense to average assets | 5.8000% | 253 |
| Loan and lease loss provision to assets | 0.6491% | 2,544 |
| Net operating income to assets | 0.7149% | 3,171 |
| Return on assets (ROA) | 0.7327% | 3,210 |
| Pretax return on assets | 0.7327% | 3,860 |
| Return on Equity (ROE) | 5.7511% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.7511% | 1,960 |
| Net charge-offs to loans | 0.4657% | 3,756 |
| Credit loss provision to net charge-offs | 206.3123% | 1,501 |
| Earnings coverage of net charge-offs (x) | 4.3355% | 2,966 |
| Efficiency ratio | 79.8074% | 2,442 |
| Assets per employee ($millions) | 2.2979% | 7,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 6,251 |
| Loan loss allowance to noncurrent loans | 241.4557% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 6,043 |
| Noncurrent loans to loans | 0.4253% | 6,199 |
| Net loans and leases to total assets | 63.9995% | 3,875 |
| Net loans and leases to deposits | 74.3488% | 4,137 |
| Net loans and leases to core deposits | 85.1743% | 3,443 |
| Total domestic deposits to total assets | 86.0801% | 3,316 |
| Equity capital to assets | 12.2201% | 1,779 |
| Core capital (leverage) ratio | 9.9041% | 3,201 |
| Tier 1 risk-based capital ratio | 14.0784% | 3,823 |
| Total risk-based capital ratio | 15.1142% | 3,940 |
| Memoranda: | ||
| Average total assets | $95,672,400 | 5,105 |
| Average earning assets | $83,682,600 | 5,220 |
| Average equity | $12,189,000 | 4,558 |
| Average total loans | $64,633,800 | 4,882 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8858% | 1,167 |
| Cost of funding earning assets | 1.5433% | 2,710 |
| Net interest margin | 4.3425% | 1,703 |
| Noninterest income to average assets | 2.4651% | 284 |
| Noninterest expense to average assets | 5.0886% | 354 |
| Loan and lease loss provision to assets | 0.7791% | 1,958 |
| Net operating income to assets | 0.4578% | 4,502 |
| Return on assets (ROA) | 0.4578% | 4,687 |
| Pretax return on assets | 0.4578% | 5,053 |
| Return on Equity (ROE) | 3.5475% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.5475% | 3,956 |
| Net charge-offs to loans | 0.4843% | 3,337 |
| Credit loss provision to net charge-offs | 234.9558% | 1,439 |
| Earnings coverage of net charge-offs (x) | 3.7300% | 3,319 |
| Efficiency ratio | 79.1464% | 2,464 |
| Assets per employee ($millions) | 2.1929% | 7,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 5,987 |
| Loan loss allowance to noncurrent loans | 179.8077% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 5,436 |
| Noncurrent loans to loans | 0.6055% | 5,996 |
| Net loans and leases to total assets | 67.3665% | 3,361 |
| Net loans and leases to deposits | 79.3322% | 3,572 |
| Net loans and leases to core deposits | 94.5093% | 2,458 |
| Total domestic deposits to total assets | 84.9170% | 3,654 |
| Equity capital to assets | 12.8139% | 1,675 |
| Core capital (leverage) ratio | 9.5012% | 3,903 |
| Tier 1 risk-based capital ratio | 12.5883% | 4,906 |
| Total risk-based capital ratio | 13.6385% | 5,057 |
| Memoranda: | ||
| Average total assets | $90,867,250 | 5,328 |
| Average earning assets | $80,780,000 | 5,378 |
| Average equity | $11,726,250 | 4,758 |
| Average total loans | $62,218,750 | 5,057 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 1,363 |
| Cost of funding earning assets | 1.5256% | 3,101 |
| Net interest margin | 4.2984% | 1,786 |
| Noninterest income to average assets | 1.5377% | 542 |
| Noninterest expense to average assets | 4.5241% | 557 |
| Loan and lease loss provision to assets | 0.6809% | 2,124 |
| Net operating income to assets | 0.1759% | 5,648 |
| Return on assets (ROA) | 0.1759% | 5,773 |
| Pretax return on assets | 0.1759% | 5,829 |
| Return on Equity (ROE) | 1.3597% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.3597% | 5,201 |
| Net charge-offs to loans | 0.0799% | 5,338 |
| Credit loss provision to net charge-offs | 1,241.6667% | 316 |
| Earnings coverage of net charge-offs (x) | 15.6250% | 1,447 |
| Efficiency ratio | 82.6327% | 2,085 |
| Assets per employee ($millions) | 2.5285% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 6,062 |
| Loan loss allowance to noncurrent loans | 81.8493% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 5,233 |
| Noncurrent loans to loans | 1.3129% | 4,756 |
| Net loans and leases to total assets | 70.5550% | 2,784 |
| Net loans and leases to deposits | 85.1319% | 2,674 |
| Net loans and leases to core deposits | 107.7120% | 1,321 |
| Total domestic deposits to total assets | 82.8773% | 4,620 |
| Equity capital to assets | 12.9166% | 1,604 |
| Core capital (leverage) ratio | 9.7182% | 3,517 |
| Tier 1 risk-based capital ratio | 12.0382% | 5,274 |
| Total risk-based capital ratio | 13.0890% | 5,423 |
| Memoranda: | ||
| Average total assets | $87,531,330 | 5,465 |
| Average earning assets | $78,262,330 | 5,498 |
| Average equity | $11,326,330 | 4,849 |
| Average total loans | $60,057,000 | 5,174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7639% | 1,580 |
| Cost of funding earning assets | 1.4832% | 3,674 |
| Net interest margin | 4.2807% | 1,755 |
| Noninterest income to average assets | 1.3867% | 629 |
| Noninterest expense to average assets | 4.6048% | 513 |
| Loan and lease loss provision to assets | 0.6058% | 2,103 |
| Net operating income to assets | 0.0142% | 6,251 |
| Return on assets (ROA) | 0.0142% | 6,359 |
| Pretax return on assets | 0.0142% | 6,322 |
| Return on Equity (ROE) | 0.1096% | 6,374 |
| Retained earnings to average equity (ytd only) | 0.1096% | 5,778 |
| Net charge-offs to loans | 0.0776% | 4,643 |
| Credit loss provision to net charge-offs | 1,163.6364% | 414 |
| Earnings coverage of net charge-offs (x) | 11.9091% | 1,607 |
| Efficiency ratio | 86.5942% | 1,731 |
| Assets per employee ($millions) | 2.7615% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 6,633 |
| Loan loss allowance to noncurrent loans | 49.8664% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 4,534 |
| Noncurrent loans to loans | 1.9297% | 3,887 |
| Net loans and leases to total assets | 67.3267% | 3,545 |
| Net loans and leases to deposits | 80.2615% | 3,612 |
| Net loans and leases to core deposits | 98.8644% | 2,251 |
| Total domestic deposits to total assets | 83.8841% | 4,203 |
| Equity capital to assets | 13.4163% | 1,354 |
| Core capital (leverage) ratio | 9.3810% | 3,934 |
| Tier 1 risk-based capital ratio | 12.1723% | 5,016 |
| Total risk-based capital ratio | 13.0665% | 5,318 |
| Memoranda: | ||
| Average total assets | $84,520,000 | 5,613 |
| Average earning assets | $75,782,000 | 5,644 |
| Average equity | $10,947,500 | 4,992 |
| Average total loans | $56,723,500 | 5,392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5286% | 3,996 |
| Cost of funding earning assets | 1.9177% | 3,364 |
| Net interest margin | 3.6110% | 4,516 |
| Noninterest income to average assets | 0.7551% | 2,646 |
| Noninterest expense to average assets | 3.8129% | 1,675 |
| Loan and lease loss provision to assets | 0.8085% | 2,708 |
| Net operating income to assets | -0.6829% | 6,348 |
| Return on assets (ROA) | -0.6410% | 6,307 |
| Pretax return on assets | -0.6410% | 6,134 |
| Return on Equity (ROE) | -4.3465% | 6,143 |
| Retained earnings to average equity (ytd only) | -4.3465% | 5,918 |
| Net charge-offs to loans | 1.0929% | 2,233 |
| Credit loss provision to net charge-offs | 132.0755% | 3,800 |
| Earnings coverage of net charge-offs (x) | 0.2052% | 5,933 |
| Efficiency ratio | 94.2815% | 1,397 |
| Assets per employee ($millions) | 2.8771% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 7,130 |
| Loan loss allowance to noncurrent loans | 51.6959% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 5,017 |
| Noncurrent loans to loans | 1.5475% | 4,334 |
| Net loans and leases to total assets | 65.6919% | 4,236 |
| Net loans and leases to deposits | 78.9974% | 4,169 |
| Net loans and leases to core deposits | 103.4073% | 3,637 |
| Total domestic deposits to total assets | 83.1569% | 4,450 |
| Equity capital to assets | 12.4768% | 1,762 |
| Core capital (leverage) ratio | 8.7267% | 4,880 |
| Tier 1 risk-based capital ratio | 12.4121% | 4,584 |
| Total risk-based capital ratio | 13.2430% | 4,907 |
| Memoranda: | ||
| Average total assets | $69,264,800 | 6,025 |
| Average earning assets | $61,064,000 | 6,090 |
| Average equity | $10,215,200 | 5,237 |
| Average total loans | $38,794,400 | 6,164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5814% | 3,967 |
| Cost of funding earning assets | 1.9930% | 3,388 |
| Net interest margin | 3.5884% | 4,523 |
| Noninterest income to average assets | 0.1603% | 7,051 |
| Noninterest expense to average assets | 3.7916% | 1,606 |
| Loan and lease loss provision to assets | 0.5883% | 3,030 |
| Net operating income to assets | -1.0711% | 6,874 |
| Return on assets (ROA) | -0.9271% | 6,784 |
| Pretax return on assets | -0.9271% | 6,627 |
| Return on Equity (ROE) | -5.9934% | 6,554 |
| Retained earnings to average equity (ytd only) | -5.9934% | 6,386 |
| Net charge-offs to loans | 0.6882% | 2,632 |
| Credit loss provision to net charge-offs | 162.0112% | 2,912 |
| Earnings coverage of net charge-offs (x) | -1.3296% | 6,687 |
| Efficiency ratio | 111.4040% | 739 |
| Assets per employee ($millions) | 2.8466% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,653 |
| Loan loss allowance to noncurrent loans | 45.6831% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 4,690 |
| Noncurrent loans to loans | 2.0258% | 3,605 |
| Net loans and leases to total assets | 58.2237% | 5,858 |
| Net loans and leases to deposits | 71.6007% | 5,718 |
| Net loans and leases to core deposits | 91.7270% | 5,256 |
| Total domestic deposits to total assets | 81.3173% | 4,956 |
| Equity capital to assets | 13.3794% | 1,539 |
| Core capital (leverage) ratio | 9.0472% | 4,582 |
| Tier 1 risk-based capital ratio | 12.8098% | 4,318 |
| Total risk-based capital ratio | 13.6307% | 4,594 |
| Memoranda: | ||
| Average total assets | $65,722,250 | 6,185 |
| Average earning assets | $57,666,000 | 6,276 |
| Average equity | $10,166,500 | 5,297 |
| Average total loans | $34,680,000 | 6,413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3595% | 5,361 |
| Cost of funding earning assets | 1.9991% | 3,780 |
| Net interest margin | 3.3603% | 5,319 |
| Noninterest income to average assets | 0.0677% | 7,647 |
| Noninterest expense to average assets | 3.8897% | 1,505 |
| Loan and lease loss provision to assets | 0.8386% | 1,997 |
| Net operating income to assets | -1.7384% | 7,337 |
| Return on assets (ROA) | -1.5933% | 7,293 |
| Pretax return on assets | -1.5933% | 7,129 |
| Return on Equity (ROE) | -9.7555% | 7,014 |
| Retained earnings to average equity (ytd only) | -9.7555% | 6,849 |
| Net charge-offs to loans | 1.1608% | 1,569 |
| Credit loss provision to net charge-offs | 143.6464% | 3,228 |
| Earnings coverage of net charge-offs (x) | -1.5414% | 6,317 |
| Efficiency ratio | 126.4293% | 565 |
| Assets per employee ($millions) | 3.0670% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,304 |
| Loan loss allowance to noncurrent loans | 129.9663% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 5,857 |
| Noncurrent loans to loans | 0.8805% | 5,448 |
| Net loans and leases to total assets | 45.2987% | 7,242 |
| Net loans and leases to deposits | 56.6615% | 7,117 |
| Net loans and leases to core deposits | 79.3862% | 6,454 |
| Total domestic deposits to total assets | 79.9462% | 5,491 |
| Equity capital to assets | 13.7786% | 1,395 |
| Core capital (leverage) ratio | 10.3400% | 2,958 |
| Tier 1 risk-based capital ratio | 15.9992% | 2,626 |
| Total risk-based capital ratio | 16.9540% | 2,663 |
| Memoranda: | ||
| Average total assets | $62,010,670 | 6,371 |
| Average earning assets | $53,923,330 | 6,477 |
| Average equity | $10,127,670 | 5,330 |
| Average total loans | $31,184,330 | 6,662 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 5,914 |
| Cost of funding earning assets | 2.0845% | 3,719 |
| Net interest margin | 3.2101% | 5,829 |
| Noninterest income to average assets | 0.2633% | 6,350 |
| Noninterest expense to average assets | 3.9564% | 1,238 |
| Loan and lease loss provision to assets | 0.0712% | 6,072 |
| Net operating income to assets | -1.0247% | 7,267 |
| Return on assets (ROA) | -0.7045% | 7,100 |
| Pretax return on assets | -0.7045% | 6,970 |
| Return on Equity (ROE) | -3.9129% | 6,884 |
| Retained earnings to average equity (ytd only) | -3.9129% | 6,416 |
| Net charge-offs to loans | 0.2675% | 3,062 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | -6.7000% | 5,590 |
| Efficiency ratio | 127.7251% | 528 |
| Assets per employee ($millions) | 2.4500% | 7,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,514 |
| Loan loss allowance to noncurrent loans | 74.2500% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.9926% | 4,709 |
| Noncurrent loans to loans | 1.2756% | 4,431 |
| Net loans and leases to total assets | 50.7110% | 6,793 |
| Net loans and leases to deposits | 66.8640% | 6,289 |
| Net loans and leases to core deposits | 101.1891% | 4,421 |
| Total domestic deposits to total assets | 75.8420% | 6,541 |
| Equity capital to assets | 16.7524% | 751 |
| Core capital (leverage) ratio | 12.6770% | 1,615 |
| Tier 1 risk-based capital ratio | 19.7633% | 1,662 |
| Total risk-based capital ratio | 20.6600% | 1,691 |
| Memoranda: | ||
| Average total assets | $56,212,500 | 6,624 |
| Average earning assets | $47,973,500 | 6,748 |
| Average equity | $10,120,500 | 5,347 |
| Average total loans | $29,912,000 | 6,770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8847% | 8,183 |
| Cost of funding earning assets | 1.1182% | 7,997 |
| Net interest margin | 1.7665% | 8,137 |
| Noninterest income to average assets | 0.2086% | 6,951 |
| Noninterest expense to average assets | 2.0887% | 7,262 |
| Loan and lease loss provision to assets | 0.2344% | 4,550 |
| Net operating income to assets | -0.5837% | 6,991 |
| Return on assets (ROA) | -0.5837% | 6,878 |
| Pretax return on assets | -0.5814% | 6,719 |
| Return on Equity (ROE) | -4.1467% | 6,768 |
| Retained earnings to average equity (ytd only) | -4.1467% | 6,352 |
| Net charge-offs to loans | 0.2037% | 4,168 |
| Credit loss provision to net charge-offs | 175.4386% | 2,899 |
| Earnings coverage of net charge-offs (x) | -2.5965% | 6,744 |
| Efficiency ratio | 116.8237% | 609 |
| Assets per employee ($millions) | 2.3261% | 7,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,428 |
| Loan loss allowance to noncurrent loans | 65.5983% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 4,305 |
| Noncurrent loans to loans | 1.6441% | 3,307 |
| Net loans and leases to total assets | 55.0260% | 6,543 |
| Net loans and leases to deposits | 71.0601% | 6,161 |
| Net loans and leases to core deposits | 90.1405% | 5,789 |
| Total domestic deposits to total assets | 77.4358% | 5,893 |
| Equity capital to assets | 19.5021% | 497 |
| Core capital (leverage) ratio | 13.5647% | 1,365 |
| Tier 1 risk-based capital ratio | 21.0252% | 1,456 |
| Total risk-based capital ratio | 22.0785% | 1,454 |
| Memoranda: | ||
| Average total assets | $42,657,400 | 7,092 |
| Average earning assets | $37,023,000 | 7,189 |
| Average equity | $6,004,800 | 6,802 |
| Average total loans | $27,988,000 | 6,845 |